Everything you need to move money with confidence.

Mo is a financial technology app that enables anyone to send, earn, and hold digital dollars globally with more clarity and less friction. Behind the scenes, we use stablecoins and smart wallets to route value, but the experience stays familiar: you sign in, manage funds, and send money using a simple handle.

Digital dollars (like USDC or PYUSD) are cryptocurrency tokens pegged 1:1 to the US Dollar. They are backed by highly liquid reserves of actual dollars and short-term US treasuries, allowing you to hold and move value globally with the speed of the internet without price volatility.

Mo Plus is our premium banking rail integration. It provides you with local banking details (like an IBAN, ACH routing number, or CLABE) allowing you to receive local currency directly from traditional banks, which are then automatically converted to digital dollars in your wallet.

Mo is self-custodial, meaning you maintain control over your keys and funds at all times. Your digital dollars reside in your wallet on the blockchain, not on our servers. For Mo Plus features, funds passing through traditional rails are held briefly by our regulated banking partners (like Lead Bank) during settlement.

Peer-to-peer transfers between Mo handles are completely free. Pay-in (onramp) and pay-out (offramp) each carry a 1% fee. For Mo Earn, Mo keeps a 10% share of the yield generated for you.

For standard Mo peer-to-peer transfers, there is no minimum amount. For Mo Plus transactions (ACH or Wires), minimum amounts vary slightly based on the currency rail providers, but usually start at around $1. Refer to the documentation in your dashboard for specific limits.

Next-day ACH transactions can take 1-3 days to arrive. Same-day ACH transactions sent before 4:00 PM EST arrive that day. Wires typically arrive within a few hours if received before 5:00 PM EST. digital dollar transfers are near-instantaneous.

If your bank triggers a microdeposit verification, notifications are sent to your registered email or via push notifications. It typically takes 1 day for the small amounts to arrive. The required 3-letter code (common with Plaid) is available in the transaction descriptor on your statement.

Please reach out to Mo support at support@mo.xyz and avoid contacting banking partners directly. To expedite your request, please provide a Trace ID (for ACH) or an IMAD number (for Wires) from the sending bank so we can track the transaction.